Different states have different minimum requirements for car insurance coverage and by that the definition of full coverage also differs. Full coverage on car insurance can be defined by having all your state’s requirements or by having your own coverage that will cover all areas in car insurance – the liability, comprehensive, personal injury protection, the collision and all other extra add-on coverage.
For your car to have full coverage insurance, you may consider purchasing all of the following:
This insurance coverage provides you protection against damages you have inflicted to other people and their properties in the event of an accident. This type of coverage is required in all states.
This coverage gives you protection when your vehicle figures in a collision accident with other vehicles or objects. Less your deductibles, your insurance company will pay for the damages incurred up to the actual value of your vehicle. Being taken account in assessing your car’s value are its actual purchase price, its present condition and its age.
Comprehensive coverage protects your car against non-collision related accidents like: nature-caused incidents such as storms, hurricanes, tornadoes, and earthquakes; theft and vandalism; animal-caused damage; falling objects; and other possible accidents.
Personal Injury Protection (PIP) Coverage
PIP will shoulder your medical and hospitalization expenses when you will be injured in an accident including the necessary expenses for your recovery. Its coverage may include paying for your loss income, funeral expenses and child-care expenses. If you have health insurance coverage, your PIP coverage will complement that policy.
Medical Payments Coverage
No matter whose fault the accident is, this coverage will pay for the medical expenses. This will also protect your passengers and your family members that would be driving your insured vehicle when the accident happens.
Underinsured/Uninsured Motorist Coverage
This coverage will pay for the damages and injuries you suffer when you would have an accident involving a driver who is found at fault but is underinsured or uninsured at all.
Extra Add-on Coverage
Extra add-on coverage provides you with additional protection that is not included in most standard insurance policies. An add-on can be the sound system coverage for your vehicle’s sound system, the towing and labor coverage that will reimburse you for towing and labor costs when you need roadside assistance, and the rental reimbursement coverage that will reimburse you when you result to car rentals while your vehicle is still at the shop.